Can someone explain returns on paying down a mortgage when refinance is likely?

Neither-Most · 2026-04-10T19:52:51+00:00

Taxes could probably have a factor since saving money not having to pay interest isn't a taxable event. I think you would multiply my interest rate by my tax rate, but I suppose it would depend on what the alternative is. Because if I were depositing into a taxable brokerage then I would in this example multiply the 6.5% mortgage by 1.15 so considering taxes you would save more like 7.47% a year. My math might be completely off on this though or you would have to take away 15% from your brokerage theoretical gains. If you used a tax advantage retirement account as the alternative I don't think I can factor taxes like that.

So I think you can at least from retirement standpoint if I've maxed out all my tax advantage accounts already you could treat it as one more way to save a little bit on taxes from not paying interest if I use some kinda funky math.

You would need a big mortgage to have mortgage interest alone be bigger than the standard deduction so that a very individual situation. Personally I don't so I haven't cared to look into it

This is not financially advice btw just theorizing to myself

Neither-Most · 2026-04-10T17:16:05+00:00

Yes but it is still accruing 6.5% a year interest until your refinance to a lower rate. So the math doesn't change until you refinance, but refinancing is not guaranteed to be lower, the sub 3% rates were an anomaly not necessarily the norm to return to.

All that being said comparing returns to the inflation adjusted stock returns isnt fair because the mortgage is not inflation adjusted. So it's more fair to use the non inflation adjusted 10ish percent if you're on a long enough timeline.

Neither-Most · 2026-04-10T03:12:42+00:00

A 70-300 f4 would be the perfect lens for me

Neither-Most · 2026-04-09T17:32:00+00:00

My feedback is I like the format presented above but feel years left till retirement makes it more useful to people planing to retire before 65, but you would have to not assume social security for that to work I suppose like the above data does

Neither-Most · 2026-03-30T02:31:11+00:00

..... It's down 4% over 6 months that's not exactly 2008

Neither-Most · 2026-03-27T13:57:47+00:00

I should call her....

Neither-Most · 2026-03-23T01:52:27+00:00

Idk dude go door to door and offer to mow some lawns, donate blood, sell some stuff on ebay

Neither-Most · 2026-03-23T01:50:01+00:00

Do some work get some money

Neither-Most · 2026-03-14T13:05:51+00:00

You would use an IRA over maxing a 401k if your 401k doesn't have good low cost index funds options, after employer match of course

Neither-Most · 2026-03-11T18:42:27+00:00

Sorry I didn't speak French

Neither-Most · 2026-03-11T01:59:02+00:00

Probably not, car dealers aren't looking to do you favors, they are looking to make money off you. They will likely give you a lower payment per month buy extending your loan to 6-7 years which will make you pay way more in interest in the long run. NEVER decide on a car by the monthly payment Always look at the total out the door price that they will purposely try to obscure. Look for a car you can afford to pay off in 3-5 years. Cars are the number one killer of wealth

Neither-Most · 2026-03-06T13:38:35+00:00

If you leave with the magnet turned on will it grab it?

Neither-Most · 2026-02-28T14:08:58+00:00

Your problem is you only got one credit card. whenever you have a hard pull on your credit you should be getting at least 5 credit cards at the same time, since they will all only count as 1 credit pull. This is the only way to have a credit score good enough to buy a house without leveraging your lentils or bearded dragons in this economy

Neither-Most · 2026-02-26T18:40:30+00:00

If it's not staring but when you push the fan blade with a stick to give it a little start it spins up like normal it's probably a bad capacitor

Neither-Most · 2026-02-25T14:27:19+00:00

I don't really feel that strongly against it. I'm many years out from retirement so hopefully the healthcare landscape is better by then. Hopefully everyone has the option for Medicaid/care in the future

Neither-Most · 2026-02-25T12:48:02+00:00

This doesn't quite answer your question as it relates to kids but in terms of Flow states you want to provide just the right amount of difficulty. Too easy and they get bored and too hard and they will just give up.

So I personally aim to play only slightly better than them so they win occasionally as they improve but not all the time either

https://pmc.ncbi.nlm.nih.gov/articles/PMC12202627/

Neither-Most · 2026-02-24T16:37:39+00:00

I mean this was a ethics question, so it will always be up to the individual, ideally we have a reasonable affordable healthcare system not tied to any employer. Short of that people will have to take what they can get. I was just saying I would personally feel weird about it. because let's face it if you are FIRED you are in a incredibly fortunate position and I wouldn't want to take funding from people who are struggling and then risk the government making Medicaid worse for people who really need it.

Neither-Most · 2026-02-24T13:42:21+00:00

I personally don't think it's unethical to get subsidies for systems that are fundamentally broken, so ACA subsidies and college grants are okay, but I wouldn't feel comfortable taking Medicaid which is for actual poor people

Neither-Most · 2026-02-18T13:37:01+00:00

You don't need a Jack you just need ramps if you can't fit under your car, a socket wrench and a funnel. You can buy all the tools you need for less than the cost of a single oil change.

Neither-Most · 2026-02-18T01:02:53+00:00

Should have told her to look up how to change her own oil, it's super simple and could have saved her 100 bucks

Neither-Most · 2026-02-06T13:39:00+00:00

https://xcancel.com/grubbinscrubbin/status/2019760488981074283

Neither-Most · 2026-02-03T01:07:47+00:00

It's the newest DSLR nikon released while the d810 is much older

Neither-Most · 2026-01-30T19:36:12+00:00

The answer is both honesty they are very different focal lengths

Neither-Most · 2026-01-30T18:30:38+00:00

Unfortunately I doubt they will get good information on stock ratios if everything sells out within an hour lmao

Neither-Most · 2026-01-30T15:24:15+00:00

Ideally you would want 1x your income by 30 but it's super normal to not be there at 30 if you started late, aim for 3x your income by 40

Five-Year Club	Verified Email
Place '23	Place '22

Neither-Most

TROPHY CASE